Dutchess County Roofing: Article About Making Insurance Claims For The Roof
Homeowners who live in areas that are prone to experiencing damage from harsh weather patterns might have to deal with the hassle of deciding how to pay for repairs. Whenever a storm has struck the region, homeowners should immediately assess whether areas of their home have become damaged. It is extremely important to make repairs in a timely manner in order to prevent the damage from spreading the next time a storm strikes.
Some of the areas that should be promptly inspected are the siding on the exterior of the home, the windows and the roof. Although properly assessing damage on the roof requires extensive training because problems may not always be visible, in most cases, if there is damage to the siding, it is probable that there is also damage to the roof. Even a falling branch from a nearby tree can cause major leaks on the roof. Homeowners are encouraged to contact a Dutchess County Roofing professional to thoroughly inspect the roof immediately after a storm has hit the area. Fortunately, roof damage could be slight when it first develops, so it is possible that the contractor will only need to make minor repairs.
The Roofing experts at Precision Roofing of Dutchess County NY can answer your questions about roof repair or metal roofing.
Many homeowners face the challenge of having to determine when they should contact their insurance agency to file a claim after damage has occurred. While it might seem ideal to contact the insurance company immediately, many professionals actually recommend waiting to file a claim until the costs associated with the repairs are assessed. This is because many insurance companies raise premiums as soon as claims are filed, and it could be a more cost effective option for homeowners to pay for repairs out of pocket, as long as they do not exceed three times the amount of the deductible.
Homeowners can weigh this decision by having a professional roofing contractor provide a written estimate detailing how much the roof repairs might cost. If the costs exceed three times the amount of the deductible, homeowners are encouraged to review their insurance policy in order to determine whether the cause of the damage to the roof is covered or not. For example, since every policy is different, some policies might cover roof collapses but not damaged dormers. If the damages are covered, homeowners can contact their insurance company, and they will dispatch an adjuster to the property to evaluate the claim.
The adjuster will be able to contact the homeowner's roofing contractor to ensure they are in agreement about the extent of the damage that has occurred as well as the associated costs of repairs.